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.BANKS 88- 103612 Home Equity Line of Credit Rider (Open end credit with 0 fixed rate~ variable rate interest) This Home Equity Une of Credit Rider is dated 95/27/9g and is an amendment to the Mortgage or Deed of Trust ("Mortgage") of the same date given by the undersigned ("Borrower") to secure Borrower's Home Equity Line of Credit Agreement with NORI4CGT Milt: t![BRAS~;t'l, t!AtIO~lALASflOCH\TH)N ("Lender") of the same date covering the property described in the Mortgage and located at: ~~An~ YORK AVe GRlil'!D H;lANP tiE liePQ:3 In addition to the covenants and agreements made in the Mortgage, Borrower and Lender further covenant and agree as follows: 1. The word "Note': as used in the Mortgage and this Rider, refers to the Home Equity Line of Credit Agreement 2. The Note evidences an open end revolving line of credit agreement between Borrower and Lender. The amount stated in the Mortgage as the principal sum of the indebtedness is the credit limit lor the line 01 credit. All advances made at any time by Lender in accordance with the terms of the fIIote, and all interest on the advances. shall be secured by the Mortgage. However. at .no time shall the principal amount of the indebtedness secured by the Mortgage, nor including sums advanced in accordance with the mortgage to protect the security of the Mortgage. exceed the stated credit limit for the line of credit. 3. The Note provides lor: o a fixed rate of interest expressed as a daily periodic rate 01 _% rate. This corresponds to an annual percentage rate of _om. ;&I a variable rate of interest expressed as a daily periodic rate equal to 1/365 of an annual rate of ~% over the "Index Rate." The daily periodic rate may increase il Tile ':'1 !:;(lY H:EM;URY BILL RATC ([:::TAEtU:::IICD (LA:::T AUCTIOn r,\'cr:;iGE ot! (1 DI13COU~-IT ~(I:I!O, R[,l!tI];O[~, TO THC t'C~8C5T l'YO) (the "Index Rate") increases. The initial daily periodic rate is .~. This corresponds to an annual percentage rate of ~m. The annual percentage rate will never be more than ~%. The daiiy periodiC rate will be adjusted on the last business day of e..ery ~;."Z:;;:;?;'L::;~ .":, ~ .~ .- NIS m 12.1!N.:MJ5J ItO 00 u~ud Wllh illS morlgar1ff1 'L-I